82 BERLIN AVENUE, ST CLOUD, FL, 34771
Active164 days on marketListed Feb 13, 2026MLS #S5143655
About this home
82 BERLIN AVENUE
WELCOME TO 82 BERLIN AVE. WHERE THE SELLER IS OFFERING 3.5% OF THE PURCHASE PRICE TOWARDS BUYERS COSTS ALONG WITH A REDUCED INTEREST RATE PAID BY THE LENDER through the seller’s preferred lender! Here you will find a beautifully maintained, gently lived-in 4-bedroom, 3.5-bathroom home located in the highly desirable Narcoossee / Lake Nona area. Perfectly positioned on a pond-front lot in the charming community of Siena Reserve, this move-in-ready home offers the ideal blend of comfort, style, and convenience. Step inside to an inviting foyer that opens to a spacious open-concept layout designed for modern living. The living room, dining area, and kitchen flow seamlessly together—perfect for everyday life and effortless entertaining. The kitchen is a true centerpiece, featuring stainless steel appliances, granite countertops, a large center island with seating, updated pendant lighting, and ample cabinetry with crown molding. Abundant natural light highlights the beautiful laminate wood flooring throughout the first floor. Upstairs, the serene primary suite serves as a private retreat with a generous walk-in closet complete with custom shelving and a spa-inspired en-suite bath showcasing dual granite vanities and a large walk-in shower. Three additional well-sized bedrooms, two full bathrooms, a versatile loft/bonus space, and a convenient upstairs laundry room (washer and dryer included) provide flexibility for family, guests, or a home office. Additional upgrades and features include: 2-car garage with ELECTRIC VEHICLE CHARGING STATION, UPGRADED ceiling fans and lighting throughout, UPGRADED faucets, Covered back patio with ELECTRIC ROLL DOWN SCREENS, large FULLY FENCED BACKYARD overlooking the pond — perfect for relaxing, entertaining, or play! Residents of Siena Reserve enjoy access to a SPARKLING COMMUNITY POOL, PLAYGROUND, and fenced DOG PARK for your furry companions. All of this just minutes from top-rated schools, shopping, dining, medical facilities, and major highways. Don’t miss your opportunity to embrace the Florida lifestyle in this exceptional home that truly offers space, style, and location.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,586
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$186
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,676 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,676/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−4.6%
$/sqft vs St Cloud actives
$186 vs $221
Days on market
164 vs 33 typical
Where $186/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
197 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 82 BERLIN AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$460,000
5555 TOULOUSE LANE · same community
4 bd · 3 ba · 2,748 sqft · $167/sqft · 111 DOM
Sold · Jun ’26$429,000
67 BERLIN AVENUE · same community
3 bd · 2 ba · 1,996 sqft · $215/sqft · 72 DOM
Sold · Mar ’26$370,000
5400 TESSIN TRAIL · same community
4 bd · 2 ba · 1,825 sqft · $203/sqft · 67 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 82 BERLIN AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 82 BERLIN AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
82 BERLIN AVENUE FAQs
What would the monthly payment be for 82 BERLIN AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,676/mo — principal and interest, the actual property-tax bill, the $66/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 82 BERLIN AVENUE?+
The association fee works out to $66 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 82 BERLIN AVENUE?+
The most recent tax bill on record (2025) was $4,941. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 82 BERLIN AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $480,000, this home is listed about 13% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 82 BERLIN AVENUE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$480,000 runs 12% above the ST CLOUD 34771 median — but at 2,586 sqft it's also 31% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
164 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $495,000, now $480,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Tammy Blanchard. MLS #S5143655.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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